FIRST UNITED BANK AND TRUST COMPANY, INC.

MADISONVILLE, KY | Medium | Est. March 29, 1996, midnight | FDIC #34150 | RSSD #2356091 | FDIC
Latest Report: 2025-12-31

FIRST UNITED BANK AND TRUST COMPANY, INC. is amn medium FDIC-insured commercial bank headquartered in MADISONVILLE, KY, established in March 29, 1996, midnight. As of 2025-12-31, the bank reported total assets of $594M and total deposits of $545M. Profitability stands at 1.21% ROA and 21.53% ROE, with a net interest margin of 3.95%. The bank's CET1 capital ratio is 13.23%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.70%. FDIC Certificate #34150.

Assets

$594M

Deposits

$545M

Loans

$405M

Equity

$34M

Profitability

Return on Assets (ROA) 1.21%
Return on Equity (ROE) 21.53%
Net Interest Margin (NIM) 3.95%
Yield on Assets 6.01%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio 0.01%
Texas Ratio 1.70%
NPA Ratio 0.11%
ACL / Loans 1.12%

Capital & Liquidity

CET1 Ratio 13.23%
Tier 1 Capital 13.23%
Total Capital Ratio 14.32%
Leverage Ratio 9.00%
Loan-to-Deposit 74.33%

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